Picking a car insurance company is sometimes difficult: companies' rates vary based on your driving record, age, and location, and companies offer an array of perks. USAA and State Farm are two of America's most popular car insurance companies, providing competitively priced coverage across most of America.
To help simplify the comparison process, we've collected typical rates from State Farm and USAA. These rates cover a variety of pricing factors, including credit quality, driving infractions, and age. Examine these rates and find the perfect policy for you.
Seeking more information? Check out our comprehensive reviews of USAA and State Farm.
If you have very poor credit, USAA could be a better option for you. On average, USAA offers better rates than State Farm for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should lean toward USAA, which typically beats State Farm by $420 per year. Check out typical insurance costs by credit score for State Farm and USAA below.
| Credit level | USAA avg. annual premium | State Farm avg. annual premium |
| Very Poor (300-579) | $2,682 | $3,522 |
| Fair (580-669) | $1,247 | $2,003 |
| Good (670-739) | $1,057 | $1,613 |
| Very Good (740-799) | $910 | $1,451 |
| Exceptional (800-850) | $840 | $1,260 |
If you are carrying an at-fault accident, speeding ticket, reckless driving citation, or DUI on your driving record, USAA could be a better choice than State Farm. Every insurer will handle driving offenses differently, so don't hesitate to shop around to understand which insurer is best for you.
| Violation | USAA avg. annual premium | State Farm avg. annual premium |
| At-fault accident (damage < $1,000) | $1,304 | $2,849 |
| At-fault accident (damage > $1,000) | $947 | $1,524 |
| DUI/DWI | $1,952 | $3,854 |
| Reckless driving | $1,472 | $2,895 |
| Speeding ticket | $1,124 | $1,983 |
Car insurance companies use a driver's age as an estimator of risk, pricing premiums on a sliding scale. Auto insurance is typically priciest for beginning and young drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company evaluates age brackets differently, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose USAA over State Farm: USAA offers average yearly savings of $2,956, compared to State Farm.
| Age tier | USAA avg. annual premium | State Farm avg. annual premium |
| Teens | $2,864 | $5,820 |
| 20s | $1,261 | $2,379 |
| 30s | $963 | $2,379 |
| 40s | $957 | $1,587 |
| 50s | $889 | $1,558 |
| 60s | $845 | $1,485 |
Affordability aside, USAA and State Farm each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | USAA | State Farm |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | USAA | State Farm |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A++ | A++ |
| Other Products | USAA | State Farm |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | USAA | State Farm |
|---|---|---|
| About | USAA is known for their award-winning service, distinguished products and making their customers' needs a priority. | Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs. |
| Roadside Assistance | 24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence. | State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services. |
| Additional Discounts | USAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance. | State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model. |
| Recent Questions | Am I covered for an accident if my policy had lapsed while without an Uber passenger? Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability. Our son-in-law is a USAA member (Navy). Can we join also?Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e. Can my brother use his insurance for damage he caused to my vehicle?Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle. Agree to be paid out of pocket with driver with no licenseTo sum, having her pay out of pocket might be your best option. Let me explain. See More Questions | Should I file a claim through State Farm? These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%. Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan. My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location. What could be the reason State Farm increased my premium?Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%. See More Questions |
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